i do my annual renewal in two installments.
the first one, i get my emissions testing and my insurances. insurance policies around the lto are expensive. i still go to my casa for the compre and the tpl. some may say the compre is cheaper elsewhere, but it's very easy to talk to the casa when i get into a fender bender.
the second day, i go to the lto, either late morning or late afternoon, para wala nang pila.
what is the worst that can happen? the lto computer bogs down!